The First National Bank of Fort Smith: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits dropped 1.65 percentage points in Q2 2026, from 84.71% to 83.07%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, The First National Bank of Fort Smith is 53rd of 78 on loan-to-deposit ratio, 78.49% as of Q2 2026, below the middle of the field. The First National Bank of Fort Smith reported 78.49% on loan-to-deposit ratio for Q2 2026, 9.71 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $115.0M |
| Cash and noninterest-bearing balances to assets | 4.98% |
| Cash and securities | $581.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $479K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.49% |
| Net loans and leases to deposits | 77.37% |
| Loans and leases to core deposits | 83.07% |
| Core deposits to total deposits | 94.49% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 77.78% | 95.93% | $0 | $52.3M |
| Q4 2023 | 80.10% | 95.87% | $0 | $52.1M |
| Q1 2024 | 79.22% | 94.96% | $0 | $1.9M |
| Q2 2024 | 81.03% | 95.00% | $0 | $1.7M |
| Q3 2024 | 82.04% | 94.75% | $0 | $1.5M |
| Q4 2024 | 80.56% | 94.94% | $0 | $1.3M |
| Q1 2025 | 80.59% | 94.76% | $0 | $1.1M |
| Q2 2025 | 80.25% | 93.53% | $0 | $926K |
| Q3 2025 | 80.82% | 93.13% | $0 | $721K |
| Q4 2025 | 80.94% | 93.99% | $0 | $569K |
| Q1 2026 | 80.08% | 94.53% | $0 | $524K |
| Q2 2026 | 78.49% | 94.49% | $0 | $479K |
The First National Bank of Fort Smith liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Fort Smith, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of Fort Smith profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3864) · FFIEC NIC profile (RSSD 397540)